AGRICULTURE SERVICES

At Independence Bank, our Agriculture Services specialists don’t just have a background in farming; they are still active farmers themselves. They understand and can assist you with the production, marketing and financial needs that come with operating a farming business. With over 236 years of combined experience, Independence Bank can become an extension of your farm team.

Checking

At Independence Bank, we understand the unique checking needs of farmers. Opening a farm checking account with Independence Bank will help you segregate farm spending from personal spending, track yearly farm expenditures and stay organized. Our farm checking accounts also allow you to transfer funds from operating farm accounts and they provide you with an online banking service that is compatible with the most commonly used farm bookkeeping software programs – so you can keep better track of income and expenses. Call or come in today and let an Agriculture Services Specialist help you choose a checking account customized to suit your farming needs.


Operating Lines of Credit

From off-season expenses to equipment maintenance costs, a farm operating line of credit from Independence Bank is ready to go to work for you. Our operating line of credit, developed specifically for farmers, provides you with the short-term cash you need that will help keep your farm production growing throughout the year. Call or come in today for more information or to apply.


Farm Management

Our unique expertise and knowledge of local farming practices have been very helpful to families that must rely on others to farm their property. We can help those families understand crop share agreements, government policy and estate planning issues important to farm ownership. We can even take on responsibility for all farming decisions on behalf of the landowner, collect income, pay expenses and distribute profits to various landowners. Call on us to help with all your farming needs – because everyone can use a little help around the farm.


Farm Real Estate Loans

Whether you’re just starting out or expanding your acreage, an Independence Bank Farm Real Estate Loan can assist you in making a long-term investment in the future of your farming business. With flexible repayment terms designed with the farmer in mind, an Independence Bank Farm Real Estate Loan can help you get the capital you need to grow your farm. And our willingness to work cooperatively with other farm lending programs like the USDA Farm Service Agency Loan Program or the Kentucky Agriculture Finance Corporation can make the difference for young or established farmers as they grow their farm businesses. Call or come in today to speak with an Agriculture Services specialist who will analyze your loan needs.


Farm Equipment Loans

At Independence Bank, we know how important it is to have the right equipment. Our Farm Equipment Loans offer farmers flexible repayment terms for both new and used machines, from small tractors to large combines. Our Agriculture Services specialists can also help find opportunities with state and federal financing agencies to ensure each farmer finds the best financial solution for his unique farming needs. Call or come in today to find out more.


Trust & Estate Planning

Farming, like any business, can be a risky venture, and one of the best ways to protect your farmland is through proper estate planning. A Trust & Investment Services specialist from Independence Bank can help ensure a smooth transfer of both the land and the business from generation to generation, so the productive land you’ve worked so hard to maintain stays in agriculture – and stays in the family. It’s your life and your land. Let Independence Bank help guide you through the complex endeavors that can help ensure financial security for future generations.  Trust Services are not FDIC insured, not bank guaranteed and may lose value.